Remortgage with poor credit
Is it possible for me to refinance if I have a bad credit history?
The truthful answer is, with many lenders (especially the ones on the high-street), no. However, Frequent Finance has long-standing relationships with lenders who understand that many people with impaired credit can be very creditworthy, especially for their own home. Many of these lenders are available only through specialist brokers like us.
Having your bank refuse your remortgage application often has the effect of making people believe they have terrible credit. But more often than not, this turns out to not be the case!
We offer
- Impartial and unbiased advice
- The whole of market panels of lenders including Direct Lenders
- Deals from UK and overseas lenders most brokers don’t know to exist!
- Fixed, variable, discounted and tracker rates from a direct lender
- Interest-only and repayment remortgages
- Flexible proofs of income including some state benefits
- Offers for special property types like Semi Commercial Property
Reducing your monthly payments:
- Getting a more flexible mortgage with holidays and over-payments
- Finance away from an expensive mortgage lender or high rate secured loan
- Your credit score has improved to enable you to qualify with a more cost-effective lender
- The fixed-rate has run out, and you require the security of another fixed rate
- Your discounted term has ended, and you’re on a high lenders standard variable rate
Newer innovative lending products
We have some fantastic rates available from Crown Equity Release, More to Life Equity Release and Stonehaven.
Lifetime Mortgages
Because of the low risk to the lender, lifetime mortgages can be meagre rates. Santander is an excellent example of this.
Age-related products from Frequent Finance
Equity Release is not just for people over 55. There are options for people under 55 to release equity too.
Bridging Finance
Frequent Finance can arrange bridging finance with meagre fees. This includes commercial bridging finance, starting at 0.5% per month.
Maybe you want to raise money for:
- Private health treatment
- Lawyers bills
- Funding new business
- Debt Consolidation – pay off expensive credit
- Home improvements or critical repairs
- Private school fees so you don’t have to move house
- Capital for son or daughters home purchase
- Buying another property in the UK or overseas
- Car, motor-home, yacht or motorcycle
Other common reasons for remortgage:
- Refinance an investment property away from a buy to let mortgage so you can live in it your self.
- Your husband/wife name on the existing mortgage and property title is facing some form of bankruptcy or insolvency, and you need to buy them out
- Divorce or separation – a court has told you to pay your ex-partner to spend money and remove them from the mortgage and title of the property
- Marriage or civil partnership – your new partner wants to be included on the mortgage and property title
As of June 2019 popular finance products include Santander Equity Release, Step Change Equity Release, Natwest Equity Release, Norwich Union Equity Release Schemes and Nationwide Equity Release.
Some great products:
- Santander Retirement Mortgage Interest Only
- Aviva Equity Release Plans
- Prudential Lifetime Mortgage Reviews
- Nationwide Retirement Mortgage Calculator
- Norwich Union Lifetime Mortgage Under 55
- Interest Only Mortgages For Over 60S
- Halifax Retirement Mortgage Uk
- Lloyds Bank Equity Release Advice
- Key Retirement Solutions Equity Release From Property
- Nationwide Lifetime Mortgage Rates 2021
- Halifax Interest Only Lifetime Mortgages 2021
- Sunlife Equity Release From Property
- Lloyd’s Lifetime Mortgage Over 55
- Telegraph Equity Release Schemes
- The Telegraph Lifetime Mortgage Reviews
- Remortgage With Bad Credit
- Aviva Retirement Mortgages
- Stonehaven Equity Release Mortgage
- Bridging Finance 80%
- Age Partnership Equity Release Reviews
- Age Concern Equity Release Calculator 2021
- Lowest 5 Year Mortgage Rate
- Secured Loans Direct Lender
- Lv Equity Release Brokers Uk
- Secured Loans For Bad Credit Direct Lender
- Liverpool Victoria Lve Lv Lifetime Mortgage On Second Property
- Limited Company Mortgage Calculator for company directors in the UK
- More to Life Equity Release
- Buy To Let Hmo Mortgage Rates
- Just Retirement Equity Release Schemes
- Key Solutions Lifetime Mortgage Loan
- Commercial Remortgage Rates
- Liverpool Victoria Lv Lifetime Mortgage Home Reversion Plan
- Natwest Lifetime Mortgage Rates 2021
Legal and General, Halifax and Prudential Equity Release
Legal and General offers include Equity Release and Lifetime Mortgages. Prudential offer Equity Release Schemes and Halifax have a great Equity Release Plan.
TSB Equity Release Plans
Mortgages for Pensioners 65s 70s 70s
Metrobank Equity Release
Yorkshire Building Society YBS Lifetime Mortgage
Pensioner Mortgages from TSB
Equity Release Yorkshire Building Society YBS
TSB Lifetime Mortgage
Metrobank Lifetime Mortgage
Which? Equity Release Scheme
Yorkshire Bank Equity Release Scheme
YB-Yorkshire Bank Lifetime Mortgage
Which? Money Lifetime Mortgage
Legal & General Lifetime Mortgage